Azura Credit Union (KS) Adds Limited-Time 30-Month Bump Rate CD


Deal Summary: 30-Month Bump Rate Share Certificate, 3.38% APY, $500 minimum deposit, one rate bump at any time during the term.

Availability: 54 Kansas counties.

For a limited-time, Azura Credit Union (Azura CU) is offering a 30-Month Bump Rate Share Certificate, which earns 3.38% APY. The minimum opening deposit is $500, with no stated balance cap. As stated on the Certificates Rates page,

The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher.

To activate the bump rate, the account holder must contact Azura Credit Union: should the rate increase, the higher APY will not take effect automatically.

3.38%$500-Azura Credit Union30 Month Bump Rate Share Certificate Special
Rates as of March 22, 2023.

The 30-Month Bump Rate Share Certificate is also available as a IRA Bump Rate Share Certificate (Traditional, Roth, CESA), earning the same APY with the same deposit requirements.

In addition to being the most competitive Share Certificate in the product line, the 30-Month Bump Rate Share Certificate also has the highest APY in the CD product line – 85 bps higher than the 2.53% APY currently offered on the 60-month Share Certificate.

According to CSR, the Early Withdrawal Penalty for the terms of 12-48 months is 180 days pf dividends on the amount being withdrawn. Partial withdrawals and early closures are both permitted.

CSR also mentioned that dividends can be “compounded to the Bump Rate Share Certificate, transferred to another Azura account, or paid out by check." Maturing funds will be distributed by cashier’s check to the address on file or transferred to an Azura checking or savings account. The 30-month Bump Rate Share Certificate will automatically renew as another 30-month Bump Rate Share Certificate after the ten-day grace period.


Headquartered in Topeka, Kansas, Azura Credit Union’s field of membership (FOM) is primarily community-based, with individuals who live, work, or worship in any of the following 54 Kansas counties, eligible for membership. (FYI – nine counties have been added to the FOM since my March 2022 blog post)

Northeast Counties: Atchison, Brown, Doniphan, Douglas, Jackson, Jefferson, Johnson, Leavenworth, Lyon, Marshall, Nemaha, Osage, Pottawatomie, Riley, Shawnee, Wabaunsee, Wyandotte.

Southeast Counties: Allen, Anderson, Bourbon, Coffey, Franklin, Greenwood, Linn, Miami, and Woodson.

Northcentral Counties: Barton, Chase, Clay, Cloud, Dickinson, Ellsworth, Geary, Jewell, Lincoln, Marion, McPherson, Mitchell, Morris, Osborn, Ottawa, Republic, Russell, Saline, Smith, and Washington.

Southcentral Counties: Butler, Harvey, Kingman, Pratt, Reno, Rice, Sedgwick, Stafford,

Employment: Employees/retirees of AT&T, Goodyear Tire & Rubber, Southwestern Bell Communications, U.S. government agencies (including local, municipal, or state governments) also qualify for membership, as do employees/retirees/members of American Legion Post 400, TARC, or United Steelworkers Union Local #400. All employees and students of any Kansas educational institution are also eligible to join.

Relationship: Immediate family members of anyone eligible for membership are welcome to apply. Immediate family includes spouse/former spouse, parent/step-, sibling, child/step-, grandparent, or grandchild.

Joining Azura CU can be done online, or at any of nine Kansas branches located in Lenexa, and Topeka (8).

A Primary Savings account is the required membership share account to join Azura. It may be used as a traditional savings account but a minimum of $5 must be maintained for membership.

While savings, checking, and Money Market accounts can be opened online, certificates must be opened at any of the above-mentioned branches or by phone (800.432.2470).

Azura CU participates in the CO-OP ATM Network, giving its members access to more than 30,000 surcharge-free ATMs through the country.

Credit Union Overview

Azura Credit Union has an overall health grade of "A" at, with a Texas Ratio of 2.25% (excellent) based on March 31, 2022 data. In the past year, Azura CU increased its total non-brokered deposits by $14.32 million, an above average annual growth rate of 2.35%. Please refer to our financial overview of Azura Credit Union (NCUA Charter # 61823) for more details.

Azura Credit Union was established in 2016 when Educational Credit Union and Quest Credit Union “merged as equals,” combining approximately the same number of members and total assets. Educational CU was founded in 1939 as the Topeka Teacher Credit Union, while Quest CU was established in 2010 through the merger of Credit Unions United (est. 1951) and Credit Union One of Kansas (est. 1956). Currently the sixth largest credit union in Kansas, Azura Credit Union has more than 58,500 members and assets in excess of $706 million.

When I think of the word “azure,” I think of tropical locations like the Maldives or Fuji, not Kansas. The Azura CU website explains the re-branding:

Why Azura? One of the reasons the new name was selected is the tribute it pays to the beautiful, azure blue Kansas sky. With a combined 140 years of service in Kansas, both credit unions wanted to be mindful of their heritage as they developed their plans to move forward. The name was created by combining the words "azure", meaning clear blue sky, and "terra", meaning land.

How the 30-Month Bump Rate Share Certificate Compares

When compared to similar length-of-term CDs tracked by that are available within the FOM and have minimum deposit requirements of $10k or less, two banks have higher rates than currently offered on the Azura Credit Union 30-Month Bump Rate Share Certificate. The following table compares the 30-Month Bump Rate Share Certificate to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 8/26/2022.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Topeka CD rates, Kansas City CD rates, 5-year CD rates

  |     |   Comment #1
Has anyone else noticed that these "bump rate" CD's always are on non-standard time terms - never on 12, or 24, or 36 months. It seems to me this is so they can "avoid" bumping the rates on these odd terms like 30 months, even if they have to raise the rates on standard time terms in order to be competitive with other banks.  They don't even have to offer a 30 month CD in the future, so why bother bumping the rate?
  |     |   Comment #2
Spot on…have noticed the exact same thing over the years at many FI’s.
  |     |   Comment #3
Often but not always. Rising Bank has 36- and 18-month CDs that are both bump-up, and add-on. Since May, they've offered rate bump-up opportunities on each one twice. I opted to bump up one of mine a couple days ago. They're not particularly competitive as either a bump-up alone or as an add-on alone, but the combination makes them useful (at least in my opinion).
  |     |   Comment #4
#1 -- "always are on non-standard time terms - never on 12, or 24, or 36 months"

always? never?

Ally Bank "Raise Your Rate Certificate of Deposit":

"If our rate goes up, you can raise yours.
"There’s no minimum deposit required to open your account, and you’ll always start with a great rate. Plus, you’ll have the opportunity to raise it once for the 2-Year term or twice for the 4-Year term, if our rate goes up for your term and opening balance amount."

And Ally has been offering bump-up CDs for those terms for over a decade.

Plenty of other examples over the years.
Azura Credit Union (KS) Adds Competitive 27-Month CD Special
Deal Summary: 27-month Share Certificate Special, 1.41% APY, $500 minimum deposit.

Availability: 45 Kansas counties.

Azura Credit Union (Azura CU) has unveiled a 27-month Share Certificate Special, which earns 1.41% APY. The minimum opening deposit is $500, with no stated balance cap.

The 27-month Share Certificate Special is also available as a IRA Share Certificate Special (Traditional, Roth, CESA), earning the same APY with the same deposit requirements.

In addition to being the most competitive Share Certificate in the product line, the 27-month Share Certificate Special offers the highest APY,...

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Azura Credit Union Offers Reward Checking Account In 45 KS Counties
Deal Summary: Beyond Checking, 2.02% APY, on qualifying balances up to $15k.

Availability: Residents of 45 Kansas counties.

Azura Credit Union (Azura CU) has been offering its rewards checking account, Beyond Checking, for ten years. The current 2.02% APY on qualifying balances up to $15k has been in effect for about a year. Qualifying balances over $15k earn 0.25% APY, with non-qualify balances earning 0.10% APY.

The monthly qualification requirements include,

  • At least 15 debit card transactions (minimum $5 per transaction)
  • At least one direct deposit or ACH auto...
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Azura Credit Union (KS) 30-Month Bump CD Steady At 3.01% APY
Deal Summary: Share Certificates – 30-month Bump Rate Special, 3.01% APY, $500 minimum; 18-month Special, 2.63% APY, $500 minimum.

Availability: Residents of 45 Kansas counties.

Azura Credit Union’s (Azura CU) 30-month Bump Rate Share Certificate and 18-month Share Certificate Special are two more examples of CDs that have become competitive by simply maintaining their rates, as other rates have fallen.

30-month Bump Rate Share Certificate

Earning 3.01% APY, the 30-month Bump Rate Share Certificate can be opened with a $500 minimum deposit, with no stated balance cap. It’s also available as...

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High-Interest Reward Checking Account at Quest Credit Union - KS Only

Kansas residents have quite a few choices for reward checking accounts. Quest Credit Union's iDeal Checking is one of the better ones. It has a very competitive rate when the monthly requirements are met. The rates as of 10/26/2011 are:

  • 3.51% APY up to $25,000
  • 1.01% APY over $25,000
  • 0.15% if requirements are not met

In addition to the high rates, ATM fee refunds nationwide are provided if the following monthly requirements are met:

  • 10 or more Visa Check Card purchases per month (signature based or credit transactions)
  • one Direct Deposit or one automatic payment
  • Enroll and...
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2.50% 14-Month CD at Credit Unions United in Kansas - Local Only
Credit Unions United continues to offer a special 14-month share certificate. The rate has gone down a bit since June, but it remains very competitive at 2.50% APY. Minimum deposit is $500. There are also competitive standard certificate rates including 1.85% APY for 6 months and 2.36% APY for 12 months. These rates are listed in the credit union's share certificates page as of 9/17/09.

Credit union membership is open to persons residing, working or worshiping in the following Kansas counties: Pottawatomie, Jackson, Jefferson, Leavenworth, Wabaunsee, Shawnee, Douglas, Johnson, Osage, Franklin,...

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